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On 28 May 2025, the Reserve Bank of New Zealand made its first major move in the new economic cycle — cutting the Official Cash Rate (OCR) to 3.25%. After a long period of high mortgage rates and tightening financial pressure, this is the signal many Kiwi homeowners and property investors have been waiting for. The era of falling interest rates has begun.The question now is: what’s your next move?

Navigating the process of getting a property loan can feel overwhelming, especially in Auckland’s competitive property market. Rejections...